20 year time horizon Insurance company endowment plan VS 20 year time horizon RSS DCA ETF, which is better? Which one has higher returns in the long run? - Seedly

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Asked by Anonymous

Asked on 02 Mar 2019

20 year time horizon Insurance company endowment plan VS 20 year time horizon RSS DCA ETF, which is better? Which one has higher returns in the long run?

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Etf for sure. The endowment gives a return of about 3% - 5% at most, whereas an Etf like the STI returns about 7-8%. Plus you don't need to pay high commission for the Etf

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Question Poster

06 Aug 2019

Hi STI ETF gives a return of 7-8%? Are you certain that it’s that high? Picking quality blue chip stocks such as banks telco only gives 5-6% as of now
Jonathan Chia Guangrong
Jonathan Chia Guangrong

06 Aug 2019

You can refer to yahoo finance here. This is for ES3, one of the 2 STI etfs available https://sg.finance.yahoo.com/quote/ES3.SI/performance/

Definitely the ETF is better just that it will be more volatile in the short run.

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